an example of that is waiving co-pays for diabetics who take their medications. so those have a lot of momentum and i think you will see a lot and some of them are controversial. again i'm not going to take that on today because i want to get to two points which is employers are also very interested in the delivery system. what i have talked about so far as the employer benefit design by the employee. high deductible plans in value-based insurance but we obviously understand that no one is ever going to be healthy enough to not need to go to the doctors hospitals and drugstore so what happens in the delivery system is important. the same principles apply about those market forces. so there's a big move to show the kind of crisis that you see which happens to be in schenectady that actually was derived believe it or not by a group calling doctors offices and calling different kind of providers of the services to see this gigantic variation in price for something as simple as a sore throat. i showed this because we know that we are not going to say the health care